Extensive Diversification

Instead of holding only some stocks and bonds, your model will feature thousands of securities from as many as 19 separate asset classes and market sectors. This investment strategy helps manage risks as part of our goal to help you to earn more consistent, competitive returns.

Market-Based Asset Allocation Models

EMAP models avoid substantial turnover by emphasizing market-based (not manager-based) investments. This is quite a contrast compared to retail mutual funds, which often invest in a smaller number of securities and frequently change their holdings.

Institutional Mutual Funds and ETFs

You’ll have access to institutional mutual funds that may not be available through certain brokerage firms or financial planners. These funds are used by some of the nation’s largest institutional investors, putting you alongside many of the nation’s biggest and most respected organizations. EMAP also uses exchange-traded funds (ETFs), which like institutional funds, are quite inexpensive. These savings translate into more of your money working for you.

Strategic Rebalancing through a Daily Rebalancing Review

Even the best-designed asset allocation model needs attention. Otherwise, a carefully constructed asset allocation will drift due to varying performances of the model’s underlying investments. That’s why every client’s model is examined on a daily basis to identify opportunities for rebalancing. Once the need is identified, your model will be rebalanced automatically. This helps manage your risks and your performance.

Dynamic Security Selection

The universe of investments is constantly reviewed for opportunity. Every investment is available to EMAP. If a superior alternative is found, it can be swiftly incorporated into your asset allocation model.

Easy-to-Read Statements

You'll receive monthly statements showing you the status of your account. You can also view your account 24/7 via our secure client-only website.

No Commissions—Just One Annual Fee

Unlike retail mutual funds, which charge the same annual management fee to all investors, no matter how much you invest, we base your fee on the value of your account. The more you invest, and the higher your account value grows, the lower your rate — potentially providing valuable savings to you. And with EMAP, you never pay any commissions, brokerage fees or trading costs.*